Physical Therapist Salary After Tax in Iowa (2026)

Median wage: $95,890/year → Take-home: $73,257/year ($6,105/mo)

Full Tax Breakdown — $95,890 in Iowa

Annual Take-Home$73,257After all taxes

Monthly$6,105Net per month

Bi-Weekly$2,818Every 2 weeks

Effective Tax Rate23.6%Fed + state + FICA

Where Your Money Goes

23.6%effective rate

Take-Home$73,25776.4%

Federal Tax$12,26612.8%

State & Local Tax$3,0323.2%

FICA$7,3367.7%

Federal Tax Brackets

10%

$1,240

12%

$4,560

22%

$6,466

Affordability Snapshot

Based on your $6,105/mo take-home — 50/30/20 rule

Needs (50%)$3,052/mo

Rent, groceries, utilities, transport

Wants (30%)$1,831/mo

Dining, entertainment, hobbies

Savings (20%)$1,221/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,831/mo

30% of monthly take-home — the commonly recommended housing cost ceiling.

Annual Savings Potential

$14,651

Daily Take-Home

$282

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$95,890	$7,991	$3,688	$1,844	$369	$46
Federal Income Tax	−$12,266	−$1,022	−$472	−$236	−$47	−$6
State Income Tax	−$3,032	−$253	−$117	−$58	−$12	−$1
Social Security	−$5,945	−$495	−$229	−$114	−$23	−$3
Medicare	−$1,390	−$116	−$53	−$27	−$5	−$1
Total Taxes	−$22,633	−$1,886	−$871	−$435	−$87	−$11
Take-Home Pay	$73,257	$6,105	$2,818	$1,409	$282	$35

Federal Rate

12.8%

State Rate

3.2%

Total Rate

23.6%

State-by-State Comparison

Same $95,890 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TXTexasNo Tax	$76,289	$19,601	20.4%
FLFloridaNo Tax	$76,289	$19,601	20.4%
WAWashingtonNo Tax	$76,289	$19,601	20.4%
NVNevadaNo Tax	$76,289	$19,601	20.4%
OHOhio	$74,434 -$1,855	$21,456 -$1,855/yr	22.4%
PAPennsylvania	$73,345 -$2,944	$22,545 -$2,944/yr	23.5%
IAIowaYou	$73,257 -$3,032	$22,633 -$3,032/yr	23.6%
ILIllinois	$71,687 -$4,602	$24,203 -$4,602/yr	25.2%
NYNew York	$71,671 -$4,617	$24,219 -$4,617/yr	25.3%
CACalifornia	$71,462 -$4,827	$24,428 -$4,827/yr	25.5%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $1,673/yr in taxes

Pre-tax 401(k) contributions reduce your federal and state taxable income. Contributing an additional $5,000 would increase your monthly take-home by $417 while building retirement savings.

💍

Married filing jointly saves $5,731/yr

If you're married, filing jointly gives you a $32,200 standard deduction (vs $16,100 single) and wider tax brackets. This would add $478/month to your take-home.

🗺️

Moving to a no-tax state could net $3,032 more per year

States like Texas and Florida have no state income tax. At your salary, moving to Texas would mean $3,032/year more take-home — $253/month — with no change to your gross salary.

Compare states →

Results for $95,890 salary · 2026 tax year

At a Glance

Annual Gross

$95,890

Annual Take-Home

$73,257

Monthly

$6,105

Bi-Weekly

$2,818

Weekly

$1,409

Hourly

$35.21

Federal Income Tax

$12,266

12.8% of gross

State Income Tax

$3,032

3.2% of gross

FICA (SS + Medicare)

$7,336

7.7% of gross

What does a Physical Therapist earn after taxes in Iowa?

The median annual wage for a physical therapist in Iowa is $95,890 according to BLS data. After federal income tax, FICA, and Iowa state income tax, the estimated take-home is $73,257/year or $6,105/month.

The effective total tax rate is 23.6%. Compared to the national median ($101,020), Iowa pays below average ($5,130 less/yr).